Care Freedom Health Insurance Plan (for Pre-Existing Diseases)

The Care Freedom Plan is a great option for individuals with pre-existing conditions like diabetes, hypertension and high BMI. It is reassuring to know that it provides coverage for hospitalization and treatment costs, especially after a waiting period. People with pre-existing conditions need to have access to specialized health insurance that meets their needs.

The cost of the Care Freedom Plan depends on various factors such as age, location, health status and sum insured. To find the most suitable plan for your needs, it is advisable to obtain quotes from multiple providers and compare their prices.

Some plans may include a single private AC room while others may provide a twin-sharing room. The available options vary depending on the plan variant chosen.

No, AIDS is usually not covered by most health insurance plans, including the Care Freedom plan.

No, the Care Freedom plan does not cover pre-existing conditions like diabetes until after a waiting period of 24 months.

The claim process will differ depending on the insurer. Typically, you'll have to get in touch with your insurer and give them the necessary documents, such as hospital bills, doctor's prescriptions, discharge summaries, and insurance policy documents. To find out the exact steps for filing a claim, it's advisable to visit the insurer's website or get in touch with their customer service.

Yes, health insurance premiums like the Care Freedom Plan generally go up as you get older due to the increased likelihood of developing health issues.

Failing to disclose a pre-existing condition could void your claim or even lead to policy cancellation. Be honest and upfront about your medical history during the application process.

The coverage of annual health checkup benefits can differ, often including basic tests such as blood sugar, blood pressure and cholesterol. However, more specialized investigations are usually not included. It is important to review the specific plan details to determine what is covered.

In such cases, consider supplementing your insurance plan with additional coverage to address specific needs that are not covered by the Care Freedom plan. For instance, adding a critical illness rider could offer extra financial assistance in case of a critical illness diagnosis.

The Care Freedom Plan mainly covers traditional medical treatments determined by the insurer, while coverage for alternative treatments is often restricted or not included. It is important to review the policy wording to understand the details of coverage for specific treatments.

Care Freedom is an ideal choice for those seeking extensive health insurance that includes coverage for hospitalization expenses. With options for both individual and family coverage for up to 6 members, it provides flexibility to cater to different needs and preferences.

For Care Freedom, a co-payment clause is in place where you will be accountable for a portion of the final claim amount (either 20% or 30%). The insurance company will cover the rest, based on your sum insured limit. Senior citizens can choose to waive the increased co-payment, but this incurs an extra premium charge.

Care Freedom offers a range of sum insured options, ranging from 3 lakh rupees to 10 lakh rupees. The chosen amount determines the maximum payout limit for hospitalization expenses per policy year. 

Care Freedom’s “Recharge of Sum Insured” benefit is a unique offering that reinstates your sum insured once for future unrelated claims if it gets depleted during the policy year. However, it is crucial to remember that the recharged amount cannot be carried forward to subsequent policy years. 

You have the flexibility to choose any hospital for treatment with Care Freedom, even if it is not in their network. However, if you opt for a non-network hospital, you will have to pay for the treatment upfront and then apply for reimbursement from Care Health Insurance. This usually requires submitting bills and medical records but the payout might be less than if you had gone to a network hospital.

Maternity coverage under the Care Freedom plan is determined by whether you opt for the optional maternity benefit. The standard plan usually does not cover childbirth and related expenses. Getting the maternity benefit may involve extra premium costs and could have specific waiting periods and coverage limitations.

Care Freedom does not cover dental and vision care expenses, as they are considered outpatient department expenses. However, Care Health Insurance offers optional add-on covers for dental and vision needs, which come with additional premium costs.